/biz/ - Business & Finance

>>16210984
get some triple bear etfs

>>16210984
>investing in index funds instead of highly volatile internet meme money
not gonna make it

High yield anything or gtfo

>>16210984
First you have to ask where, then what.

You should max a 401k and IRA first.

>>16211009
>can't touch it until I'm almost dead
yikes

>>16210984
VGHCX

>>16211015
This is biz, dude is going to blow the money regardless of what we say. At least some of it will be safely locked away.

>>16210984
For me, it's
SWPPX
FMEIX
SWSSX
SWAGX
large cap, mid cap, small cap, agg bond.

>>16211033
>not investing in sector specific high risk funds

>>16210988
and to prove I'm not memeing,
the us economy is in a position it has never been before, and every time it was in a similar position, it never went well.
Either Donny is going to keep goosing the economy, just for the chickens to come home to roost after the election, or the dems are going to win the election and impose higher taxes on all these multinational corporations.
Either one is going to see the stock market pull back.

No matter what happens, you win.

>>16211043
>implying quantitative easing infinity is going to end

>>16210984
I'm going to let you in on a secret anon. You seem like a nice guy so here you go.
Buy VFIAX and hold it for 20 years and you'll be fucking rich.

>>16211065
i'm implying its going to work until it doesnt

>>16211033
SWAGX OR DIE FAGGOTS

LINK

Have you heard about the index bubble? I would say if theres even a small risk of any problematic behavior in indexes or etfs, you probably wouldn't want to get into them with all that cash, though, maybe you don't care. Charlie Munger and Warren Buffet both agree, if they weren't managing massive billion dollar funds, and could properly take advantage of middle and small cap companies, those reliable gems in the rough, they would. Do everything you can for weeks researching 5-ish or even just two companies and you will reap huge rewards with practically no risk. If you aren't a dumbass and don't burn yourself on shitty companies you will be a rich motherfucker, and then you'll need to figure out how to be happy.

>>16211094
Agreed. Im throwing $1k in SPXU

>>16211146
Graham Stephan has entered the chat.

>>16211094
>>16211157
You nerds are going to miss out on the golden bull. Unless a Dem wins 2020 then ya, get the fuck out.

>>16211174
No im waiting a year. Going to invest $1k in SPXU and hopefully it is around $1 a share at that point

>>16211015
>He wants to cucked by capital gains taxes

Unless OP inherited it, having around 200k in savings means he probably earns above 0% cap gains tax threshold

>>16211174
>this time it's different

>>16210984
You can see what a funds return over the last 10 years is. Think about that number instead of type.

Don't forget to diversify with domestic and international funds.

>>16210984
>index funds
Literally contributing to the biggest bubble in human history. Ask your coworkers to name 10 companies they are invested in with their 401k target date funds. They won't be able to tell you even ONE for certain, they can probably guess 3-4 with common sense. Tell me how smart it is to invest in assets that people throw money at blindly with zero understanding or care of the fundamentals. Imagine the BTC bubble of 2017 but global in scale and touching every existing market.

>>16210984
vanguard is using Link you mong. its like you hate money. SAVING MONEY IS FOR WAGIES. INVESTING IS FOR CHAMPIONS

85 / 10 / 5

VTSAX / VTIAX / VBTLX

>>16211079
Correct.
How old are you OP?
Go all in on the SP500 until you're about 50. Then start adding some bond funds.
Increase the bonds to about 60% of your portfolio a couple years before you retire.

>>16210984
C H A I N L I N K
>ETF's or mutual funds
what are you, a fucking boomer?

>>16211253
Vanguard isn't partnering with your scamcoins.
Nice try pajeet.

>>16211253
It's past your bed time little man

>>16211226
What? No way

>>16211079
Thanks, I like the expense ratio and this is a long term investment.

>>16211246
I'm in my early 30's

>>16211222
Checked, and I understand. I am willing to invest in active funds if necessary but even the best funds seem to only outperform the S&P500 by 1-2% over a decade. What's the point?

>>16210984
AMD, T, WKHS, MSFT

>>16211079
Can someone give me a quick rundown of VFIAX and why it’s the right choice?

>>16211253
>sergey follows some jew on twitter therefore vanguard is using chainlink
what the fuck is this bullshit, leave the breadcrumbs to actual autists this is shit

>>16211235
Based boomer portfolio

>>16211222
>>16211146
The index fund bubble is just like any other bubble. if you position yourself to take advantage of its collapse, then you will unperformed the market right up until the collapse.

And in the case of the index bubble, is it even possible for it to collapse?
What are all those people going to do with their money? For the index bubble to collapse, it will require people to take their money out of index funds. The average joe doesn't have time or interest for that, it will never happen.

>>16211031
You clearly have the wrong idea about biz

>>16211015
>what is a Roth conversion

>>16211033
GO SWSSX WOO. SWSSX IS KING, 60 PERCENT OF MY PORTFOLIO WOOO

>>16211641
Very low fees, it's an SP500 index fund, it's gotten 7% returns on average since 1950.
http://www.simplestockinvesting.com/SP500-historical-real-total-returns.htm
Good place to park your money when you're not yoloing on chainlink. My portfolio is 80% VFIAX/20% LINK

>>16211512
Why AMD?

Why is no one in msci world? I only see sp500, is it a burger thing?

>>16212330
Will you cash out LINK at certain sell points and then dump the gains into the index fund? Let’s say LINK hits some big number like 1K per. You sell off 5M worth. Where do you put it? All in the index fund? Gold? Government bonds? Real estate?

I’m trying to figure out how I should diversify the big money that we will likely get from LINK. I know index funds are a great vehicle and I’ll always keep a nice LINK stack to stake, but I want to spread everything out so I don’t fuck myself over in case the economy tanks or there’s a big war or some shit

>>16210984
Spyg

Bump, etfs are discussed to rarely here

>>16210984
"Schaeffler"
"Gazprom"

100% VTSAX
Fuck niggers and jannies

y'all niggas need to look into mega Roth IRA rollovers, gotta get yourselves special 401k account for 1099, and you can put up to ~56K into it, the first 19k goes towards tax-deferred account ( locked up until you're 59 1/2 or other limits ).
After that 19k you can invest the remaining 36K into a Roth IRA ( without this trick you can only get 6k into a Roth every year ).
Guess what? The 35K you put in can all be pulled out after 5 years, as long as you dont take the profits out, so in theory you can max out that 35K into a roth every year and on year five you can take the first 35K back out without any penalty.
The only downside to this is you basically need to have 56K after uncle sam taxes you to be able to fully take advantage of this, I make six figures so I have been doing this for past few years.
I have invested in S&P Dividend tracking passive index funds and put some into Gold/Silver large miners, my plan is to start taking out the 35K per year in 2023 first year I can take it back out, and then just keep the growth in that account, depending how it goes I will just keep growing my Roth.
Here is an example, if I am on year 7 of this strategy, and I haven't withdrawn anything, I could in theory take out 70K on year 7 out cash not taxed no issues ( that is year 1 and year 2 amounts I put in).
So if you can manage to save and invest that amount upfront you can really grow your money exponentially without any of the major bullshit related to a regular 401k or a regular IRA when you're older.

>>16210984
Don't buy index funds. They're ATH levels and the recession is coming soon. Do research on keynesian market cycles if you don't believe me.

>>16212431
World gains seem awfully low in comparison

>>16214501

how do i archive this thread to save for later

>>16210984
VAW there is usually a 9 to 12 month lag between the increase in gold and the increase in other materials. So in 9 months to a year cash out gains and do vti and divie/reit combos.

>>16211929
This. Also if index funds crash and never recover, then you have bigger problems on the horizon. Because that means that the largest companies in the world are all collectively failing

>>16210984
Low cost index funds. The vast majority of active funds do not outperform the market ESPECIALLY after costs. Read or listen to the little book of common sense investing by Jack Bogle, founder of vanguard, for a 5 hour explaination of why index funds are 1000 times better than actively managed.

These are the only funds available to me as far as I can tell. I know they're all jew scams, but which one is the least scammy?

>>16210984
unironically just put everything into VTI. It's already diversified enough with low expense ratio.

>>16216389
Close to doing that. I have researched a few offshoot ETF's like the ARK Innovation ETF and the Genome ETF for some moonshot investments, otherwise I like VTI